What do i need for a lawn mowing business insurance?

Running a lawn mowing or landscaping business comes with risks—from accidental damage to liability claims. Having the right insurance protects your assets, reputation, and bottom line.

1. What Insurance Do You Need for a Lawn Mowing Business?

A comprehensive insurance package typically includes:

• General Liability Insurance: Covers third-party injuries (e.g., a client slips on grass) and property damage (e.g., mowing pad may damage siding).

• Commercial Auto Insurance: Protects vehicles and trailers used to transport mowers and tools.

• Tools & Equipment Coverage: Covers repair or replacement of broken or stolen equipment—such as mowers, trimmers, blowers.

• Inland Marine Insurance: Extends for equipment while in transit or stored off-site.

• Workers’ Compensation (if you have employees): Covers medical and lost wages if a worker is injured on the job.

2. What Are the Common Risks in Lawn Care?

A lawn mowing business faces multiple exposures:

• Property damage from flying debris or mistakenly hitting plants or structures.

• Bodily injury to clients, passersby, or helpers.

• Vehicle accidents during transport.

• Equipment theft or breakdown.

• Damage during storm cleanup or plant maintenance tasks.

3. Typical Coverage Limits & Premium Factors

• General liability limits often start at $500,000 per occurrence and $1 million aggregate.

• Equipment policies may cover up to $25,000–$50,000 depending on equipment value.

• Commercial auto premiums vary based on vehicle type, hauling route, and driving records.

Your premium depends on your revenue, number of employees, locations served, and claims history.

4. How to Limit Risk and Premiums

Keep costs down by:

• Installing safety protocols (e.g., barriers or signs while mowing).

• Keeping vehicles and trailers well-maintained and locked.

• Storing equipment in secure areas.

• Ensuring you track employee training and use of protective gear.

• Bundling policies such as liability, equipment, and auto for multi-policy discounts.

5. How to File a Claim

• Document details with photos and incident reports—especially in liability events.

• Notify your insurer quickly, providing details on time, place, and parties involved.

• Submit repair estimates for damaged equipment or property.

• Keep receipts and invoices for medical or legal expenses to support claims.

Summary Table

Final Takeaway

Insurance protects your lawn mowing business from liability claims, vehicle accidents, theft, and equipment damage—helping you operate with confidence and peace of mind. Proper coverage showcases professionalism and safeguards your investment.

Need help selecting the right lawn mowing business insurance package?
With over 30 years of experience and access to nearly 100 insurance carriers, THAgency can tailor a policy bundle that fits your business size, equipment value, and risk profile. Submit your request now—fast, free, and no obligation.